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Settlement Comparison Calculator

Document collection accounts, communications, offers, and next research steps. Your entries remain on this device unless you deliberately export or share them.

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Claimed balanceSettlement offerTaxes or fees to reserve

Difference from claimed balanceEnter your numbers

Pure arithmetic comparison. It does not assess legal consequences, reporting, taxes, or whether an offer is appropriate.

Optional follow-up reminderShown only in your device workspace. Open the installed app to receive enabled reminders.

Educational organization and calculation tool only. Verify inputs, rules, deadlines, and outputs before acting. FreeCreditBot is not a law firm, lender, credit bureau, or credit repair company.